Call reports 2005
BANK OF COMMERCE — 2005
What BANK OF COMMERCE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 131,553,000 | 133,964,000 | 133,593,000 | 132,742,000 |
| Total loans | 106,780,000 | 111,586,000 | 109,846,000 | 108,219,000 |
| Allowance for loan losses | 694,000 | 765,000 | 745,000 | 797,000 |
| Securities available for sale | 2,652,000 | 2,710,000 | 2,610,000 | 2,608,000 |
| Securities held to maturity | 5,039,000 | 4,888,000 | 4,917,000 | 5,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,093,000 | 115,981,000 | 116,010,000 | 114,608,000 |
| Interest-bearing deposits | 96,233,000 | 94,256,000 | 94,826,000 | 95,699,000 |
| Noninterest-bearing deposits | 17,860,000 | 21,724,000 | 21,184,000 | 18,909,000 |
| Equity capital | 10,326,000 | 10,709,000 | 11,062,000 | 11,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,956,000 | 4,107,000 | 6,279,000 | 8,528,000 |
| Interest expense | 629,000 | 1,316,000 | 2,031,000 | 2,800,000 |
| Net interest income | 1,327,000 | 2,791,000 | 4,248,000 | 5,728,000 |
| Noninterest income | 425,000 | 838,000 | 1,183,000 | 1,645,000 |
| Noninterest expense | 1,128,000 | 2,266,000 | 3,367,000 | 4,696,000 |
| Provision for loan losses | 80,000 | 218,000 | 348,000 | 433,000 |
| Pretax income | 544,000 | 1,145,000 | 1,716,000 | 2,252,000 |
| Income tax | 202,000 | 427,000 | 642,000 | 843,000 |
| Net income | 342,000 | 718,000 | 1,074,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,366,000 | 10,742,000 | 11,098,000 | 11,433,000 |
| Total capital | 11,060,000 | 11,507,000 | 11,843,000 | 12,230,000 |
| Risk-weighted assets | 103,841,000 | 108,639,000 | 108,630,000 | 108,254,000 |